Not the person you're responding to, but I agree with that argument. I have commuted by bike daily in a relatively dry climate for years. I had no problem with

Not the person you're responding to, but I agree with that argument. I have commuted by bike daily in a relatively dry climate for years. I had no problem with rain in terms of wetting my clothes, as you said the rain gear is easy to put on and off. But even though I think of myself as a fairly careful rider, I had a couple falls, one due to slipping on leaves on a wet bike path that left me with a concussion, the other due to a hobo riding a narrow bike path the wrong way, causing me to arrive a work with bloody knuckles. I haven't fallen since and I continue to ride, but I do feel I'm much less at risk of injury in an enclosed car.